Who is Security Credit Systems?
Security Credit Systems, Inc. (SCS) is a debt collection agency based in Buffalo, New York. Their primary role is to collect unpaid debts on behalf of their clients.
If you see SCS listed on your credit report as a collections account, it means that you have an unpaid debt that has been transferred to them for collection. This usually happens when a bill has not been paid for a certain period of time.
Who does Security Credit Systems collect for?
Security Credit Systems collects debts on behalf of a variety of organizations across different sectors. These include commercial businesses, educational institutions, and medical organizations.
Is Security Credit Systems legit or a scam?
Security Credit Systems, Inc. is a legitimate debt collection company. They are authorized to collect debts on behalf of their clients. However, it’s important to verify any debts they claim you owe before making any payments.
How can I remove Security Credit Systems from my credit report?
Collections can hurt your credit score and remain on your credit report for up to seven years regardless of whether you pay it or not. Unfortunately, paying the collection could even lower your credit score.
However, it is possible to remove a collection account from your credit history before seven years.
(While debt collectors may not want this information to be widely known, it’s your right to be informed.)
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In addition to collections, they can help you to challenge other inaccurate, unfair, or unsubstantiated information on your credit report. These items include inquiries, late payments, charge-offs, foreclosures, repossessions, bankruptcies, and more.
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Security Credit Systems, Inc. (SCS) Contact Information
Security Credit Systems, Inc.
100 River Rock Dr. Ste 200
Buffalo, NY 14207
Phone number: (800) 836-4568
Should I contact or pay Security Credit Systems?
It’s best to avoid speaking to a debt collector on the phone. And making payments on the debt will reset the clock. As a result, it could harm your credit rather than improve it. However, sometimes it’s better just to pay the collection account, especially if it’s new, and you’re certain that it’s legit.
The most effective way to deal with Security Credit Systems is to work with a credit repair professional. They help remove millions of negative items every year from companies like Security Credit Systems on behalf of their clients.
Will Security Credit Systems sue me or garnish my wages?
Security Credit Systems, like any debt collection agency, is entitled to sue you for an unpaid debt. If they win the lawsuit, the court may grant them a judgment that allows them to garnish your wages or levy your bank account to recover the debt. However, this is typically a last resort and happens only after multiple attempts to collect the debt in other ways have failed.
Security Credit Systems, Inc. Complaints
Most collection agencies have numerous complaints filed against them with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most consumer complaints are about inaccurate reporting, harassment, or failure to verify a debt. If a debt collector is harassing you, you may want to consider filing a complaint.
You have many consumer rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). These rights include the ability to dispute credit reporting errors and to be treated fairly and respectfully by debt collectors.
Your Rights When Dealing with Security Credit Systems, Inc.
Debt collectors must abide by state and federal laws in the United States. For example, the Fair Debt Collection Practices Act prohibits a collection agency from using abusive, unfair, or deceptive practices. In addition, the FDCPA provides you with many rights to ensure that collection agencies don’t take advantage of you. In particular:
- It is a violation of federal law for Security Credit Systems to report inaccurate or incomplete information about you.
- You have a legal right to request debt validation on an alleged debt. Send the collection agency a debt validation letter. By law, they have 30 days to prove to you that the debt is really yours and the total amount is accurate.
- Security Credit Systems, Inc. may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
- Security Credit Systems must be honest about who they are and what they are attempting to do. They must notify you that they are a debt collection agency both orally and in writing.
- Security Credit Systems cannot threaten to have you arrested or imprisoned over unpaid debts.
Remove Security Credit Systems From Your Credit Report Today!
Credit Saint can assist you in disputing Security Credit Systems collection accounts. With years of experience at their disposal, these professionals have a proven track record of effectively removing incorrect entries for countless clients.
If you’re tired of dealing with debt collectors and want to improve your credit, consider working with a trusted credit repair company.
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